TrueLinQ

My experience with the @AmexIndia Membership Rewards clawback. On 9 November, Amex deducted 2,14,884 of my MR points overnight, from two cards I closed in March 2025 and November 2025. There was no prior notice, no warning and no window to redeem. Before closing each card, I specifically asked Amex what would happen to my points. Both times I was told they were pooled in my Membership Rewards account and would stay with my active card. So I didn't redeem them. For up to 19 months after that, every statement Amex sent me showed those points as part of my balance. I redeemed from that pooled balance several times, and Amex never once told me which card's points I was using. There was no card-wise breakup, because the program was designed as one pool. Now, days before Amex ends pooling on 15 November, those points are gone. The explanation is a "technical issue", and the only email I received says "No action is required from you." I don't accept that. Customers made decisions based on what Amex's own representatives told them and what Amex's own statements showed them. Reaching back months, and for some people years, to take back points that were earned through real spending, without notice, without a reconciliation and without a chance to dispute, is not how a bank that sells trust and premium service should treat its customers. Amex has spent years building its reputation in India on exactly that trust. Episodes like this are how it gets lost. I'm not asking for free points. I'm asking Amex to honour what it told me. I've filed a formal grievance with Amex and will escalate to the RBI Ombudsman if it isn't resolved. If you've been affected, document everything (statements, rewards history, call details) and file your own complaint. @RBIsays